Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$107,577Cash toward the purchase price.
Closing costs + prepaids$17,538Not just lender fees.
Before credits & paid funds$125,115The complete starting cash picture.
Estimated remaining funds due at closing
$125,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,577.49
Your down payment$107,577.49
Closing costs + prepaids$17,537.68
Total buyer cash needed$125,115.17
Remaining funds due$125,115.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$6,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,507.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,742.00
Initial HOA (3 months)$540.99
Prepaid interest, first (2 days)$189.58
Fees + prepaids$17,537.68
Your down payment is the seller’s equity. You take over the $501,423 balance, so the rest of the $609,000 price is paid at closing. A second mortgage can cover part of it. $125,115.17 is due at closing. Uses and sources reconcile at $626,537.68 each. Not a Closing Disclosure.